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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,786 | $93,589-87.4% | $135,942-91.3% | $75,181-84.3% |
| Participation rate | 21.1% | 75.2%-54.1pp | 81.9%-60.9pp | 67.2%-46.1pp |
| Annual return | 7.86% | 30.90%-23.0pp | 68.28%-60.4pp | 160.69%-152.8pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $765 | $6,405-88.1% | $7,759-90.1% | $4,126-81.5% |
| Admin fee / account holder | $394 | $6,977-94.3% | $10,764-96.3% | $5,650-93.0% |